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ZIP 71138 — Housing & Real Estate

Source: U.S. Census Bureau ACS 2019–2023 5-Year Estimates. Page data updated 2026-08-02.

Working Class

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 71138

Median Home Value
$128,500
Median Rent
$882
Affordability Snapshot
$35,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$825/mo PITI).

25%
Rent-to-Income Ratio

Below the 30% threshold — generally affordable for median earners.

3.0x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

12.1 yrs
Price-to-Rent Ratio

Years to break even buying vs renting at median home value and rent.

To comfortably buy a median-priced home in ZIP 71138, a household would need roughly $35,000 in annual income under a 20% down, 30-year loan at 6.8% (illustrative), keeping housing costs near 28% of income. Estimated monthly PITI is about $825. That sits below the local median household income ($43,176), suggesting the typical household income is closer to a workable buy-in level under these assumptions. Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

Housing Tenure

Owner-occupied majority; balanced tenure mix.

Heating Fuel
Housing Metrics
Owner Occupied
64.0%-2% vs US avg
x
Vacancy Rate
4.5%-57% vs US avg
x
Broadband Access
85.9%-1% vs US avg
x
4+ Bedrooms
0.0%
x
Built Pre-1939
4.8%-62% vs US avg
x
Built Post-2014
0.0%
x
Rent Burden >30%
29.7%-40% vs US avg
x
Mortgage-Free
34.1%-11% vs US avg
x
$128,500
Home Value
$882
Rent
1973
Year Built
2014
Moved In

Residents have lived here since ~2014 on average

Housing Structure

Census ACS structure types (single-family, multi-unit, etc.).

  • 1-unit detached76.0%
  • 1-unit attached1.1%
  • 2-9 units17.8%
  • 10+ units3.2%
  • Mobile home & other1.9%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$128,500
Median rent$882
Owner-occupied64.0%
Vacant4.5%
Price-to-income3.0x
Est. income to buy$35,000